Q2 2019 Financial Results

- Canadian Uninsured Residential Mortgages – Q2/19 Originations Beacon Distribution 6% 7% 5% 17% 14% 16% 34% 31% 33% 34% 38% 36% 9% 10% 10% ≤650 651-700 701-750 751-800 >800 Canada GVA² ■GTA² 2 Loan-to-value (LTV)1 Distribution 43% 35% 32% 30% 36% 25% 24% 18% 16% 9% 9% 7% 7% 4% 5% Originations of $6B in Q2/19 Average LTV1 in Canada: 65% - GVA²: 58% - GTA²: 62% 22 22 <30% 30 to <45% 45 to <60% 60 to ≤75% >75% Canada GVA² ■GTA² 2 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 25 of the Q2/19 Report to Shareholders for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC

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